DIY – Designing Your Alarm System – Step 1

Designing Your Home Security System
Monitor or not to Monitor
POTS Line
VOIP
Cell
Home Automation
Choosing your Brand of Home Security
DIY or Professional Installation
Designing Your Home Security SystemWhen it comes to home security there are a lot of things to consider. You must remember that you are installing a security system so that you can protect your family and your processions.What does an Alarm System do?An alarm system does all of the following depending on the equipment that you choose:

Notify you of doors or windows that are opened

Notify you if windows are broken

Notify you of movement inside your home
These are all things that would be caused by an unwanted intruder but there are other things that can bring harm to your family or your home. Home Security Systems can also provide notifications for the following:

Early warning of a fire

Early warning of Carbon Monoxide gases

Early warning of freezing

Early warning of flooding
There are multiple levels of protection that you must consider when you are designing your alarm system. If you consider that 50-60% of burglaries happen by the intruder breaking through the front or back doors you could just install an essential security system.Essential Security SystemAn essential security system provides contacts on your main entry doors and a motion detector in the main pathway of your home. In most homes this is the hallway leading to the bedrooms. This type of system assumes that if the intruder enters your home through an unprotected opening such as a window that the motion detector will detect them and sound the alarm. It is always best to detect an intruder before they have entered your home. If they start to make entry and the alarm system sounds the burglar can make the choice to run away and not ransack your home. This system has adequate coverage when your system is armed in away mode because all sensors are armed. If you are at home and asleep the system is armed in stay mode which automatically shuts of the motion detector. There are two times that your home and family are most vulnerable and those are when you are away from your home and when you are asleep in your home. The essential home security system will only provide the best coverage when you are away from your home.Full Perimeter ProtectionThe goal of having a security system is to be notified if any opening to your house is violated. You want to receive this notification as quickly as possible. In order to have this happen you must have contacts installed at every window and door in your home. This forms a security curtain around your home so that the potential intruder cannot get in undetected. If you want typical full perimeter protection you will want to install contacts on every door and window.Advanced Full Perimeter ProtectionIn order for full perimeter protection to work the intruder must open a door or window. In many cases the burglar will break a window and then reach inside to unlatch the lock and then open the window or door. In this scenario the alarm system will sound. If the intruder does not open the window or door then the alarm system will not sound. In this case the only way the intruder will be detected is if they pass by the motion detector. This is why the motion detector is a secondary or backup device. The goal is to keep the burglar outside the home. In order to do this with advanced protection you can install glass break detectors. This type of detector is built to hear breaking glass and when it does the alarm will sound. Another advantage of a glass break detector is that they can be programmed to be a 24 hour device. This means that they will sound the alarm even if the system is not armed. When you incorporate all of the following types of protection you have utilized every form of protection available for your home and family.Additional Protection available from your Security SystemSo far we have only talked about protection from an unwanted intruder of the human variety. There are a few unwanted intruders and potentially more detrimental to your home and family and should be incorporated into your total home protection plan. These unwanted intruders are:

Fire

Carbon Monoxide

Flooding
*Fire Facts:Chances are you will have a fire

Number of home fires your household can expect in an average lifetime: 5

Chances your household will have a reported home fire in an average lifetime: 1 in 4

Chances that someone in your household will suffer a fire injury in an average lifetime: 1 in 10

Chances that someone in your household will suffer an injury in a reported fire in an average lifetime: 1 in 89
Households can expect to average a home fire every 15 years or five fires in an average lifetime. (Life expectancy now averages 78 years in the U.S., according to the Statistical Abstract.) That is one of the results of the latest survey of unreported fires, conducted by the U.S. Consumer Product Safety Commission in 2004-2005, when combined with NFPA’s annual tracking of reported fires.Most of these will be small fires resulting in little or no damage and will not be reported to a fire department, but even a trivial fire causes at least some temporary anxiety.Your household has a one in four chance of having a home fire large enough to be reported to a fire department during an average lifetime.Someone in your household also has a one in ten chance of suffering a fire injury in a home fire an average lifetime. More likely than not, this will be a minor injury suffered in a fire that you did not report to the fire department. You might not even remember the injury a month after it happened. About one out of nine of these injuries will occur in a reported home fire, which means someone in your household has a one in 89 chance of suffering a fire injury in a reported home fire in an average lifetime.As you can see the likelihood of having a fire is high and the best protection is a smoke detector. A smoke detector provides early notification so that you can save your family and your processions. The average damage done by a fire can be far worse than the loss from a burglary but many people still neglect to make sure that they have a working detector.Protection from FloodingJust a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.Here are some startling facts:Property damage resulting from water damage due to plumbing failures and freezing pipes is the second most common cause of homeowner loss.Water caused $9.1 billion in annual homeowner policy property losses annually from 2007 to 2009 – approximately 23 percent of all homeowner property losses.”Water damage claims have been growing faster than other components of homeowners insurance.” – American Insurance AssociationDesigning the Layout of your Alarm SystemNow that you are aware of the different types of protection and they work you can begin to layout your alarm system. I have always used the following method in setting up my alarm system installations. Grab a piece of paper and start at your front door. Go to each opening in your home and write down the name of each door and window. Make sure that you have the following column titles on your list:Zone Type Zone NameI always walk clockwise around each new installation. This makes sure that I do not miss any openings in the home and I also have a list with all of the names of the openings which I will use later for programming the panel. At the end of your walk through you will have a list of all the areas that you want to protect and their names. Make sure you include a minimum of one motion detector in the main hallway of the house. If you have a two story home you will want to see if the motion detector can be located so that the stairway is included. You will be able to use this list in the event that you decide to do an installation on your own (DIY) or when you have a professional provide you with a quote.

$5,000 Personal Loans With Bad Credit: Consider Some Alternative Solutions

Getting cash injection from time to time can be hugely beneficial when trying to get through the myriad of financial demands of everyday life. But with bad credit rating, getting approval for even modest loans can be tricky. However, it is possible to get even a $5,000 personal loan with bad credit.There is no doubt that a sum of $5,000 can prove to be extremely useful. It can finance a vacation, pay for college fees and also be used to clear some existing debts. But securing loan approval is impossible if the basic criteria set by the lender is not met, and tricky if the application is not approached correctly.People with poor credit ratings also need to accept some compromises if there is to be a chance of these personal loans being approved. But there are alternative loan sources to traditional banks that offer better terms.Family LoansLenders can place a number of conditions when granting a $5,000 personal loan with bad credit, ranging from higher interest rates to strict repayment schedules. The problem is this ensures the pressure is on to make repayments on time every time. But there are more informal loan options.Going to a family member, for example, can be a better choice. For a start, securing loan approval is easier because a family member is unlikely to turn another down. The only question is whether a member of the family has $5,000 to lend. Also, in most cases, there is no interest charged on the loan, making it also the most affordable loan option.But remember, it is a good idea to write the terms of any family loans down, and have both interested parties sign it. That way everything is kept clear and there is no risk of confusion. Such personal loans should not end up coming between family members.Consider Payday LoansThough rather expensive, one of the best loan options when in a hurry for fast cash is a payday loan. Getting a $5,000 personal loan with bad credit is pretty simple, with no credit check needed, and the lender approving the application within a hour. That means the financial emergency can be dealt with within 24 hours.However, the size of the loan can be a problem. Many lenders are reluctant to lend any more than $1,500, unless there is a special arrangement made with the borrower. Sometimes, borrowers may need to take out a series of payday loans instead. This can prove extremely expensive with each loan having interest as high as 30%.On the plus side, securing loan approval is almost guaranteed, and the repayment term is so short that there is no lingering debt over a number of years. In fact, 90 days is usually the longest term on this kind of personal loan.Consider a Company LoanOften, this is the last option considered by those seeking a $5,000 personal loan with bad credit. But, in fact, it is probably the most logical one. Your boss may be willing to advance the equivalent of 2 or 3 months salary, since it will have to be paid anyway. They may even be able to make a slight profit by charging a small interest rate.In terms of getting their money back, they can simply deduct the due repayments from the salary check each month. But securing loan approval is not just a good thing for your boss. As a bad credit borrower, the interest rate will be lower than that charged by any lender. Therefore, costs are lower and the loan itself is more affordable.On the down side, however, repaying this personal loan will have no effect on your credit rating, as the loan did not come from a recognized lender.

Fashion Jewelry: Get High On Fashion!

Fashion jewelry has become an essential part of the wardrobe of the fashionistas, enabling them to drop their sense of fashion. It comes with stupendous variety, offering plenty of choice to the shoppers. Consistent demand has encouraged the craftsmen to explore new designs and concepts while producing the jewelry.

Like apparel, jewelry as well is a dimension of one’s lifestyle. Whether be it a punk who prefers wearing colorful spiked choker that matches colorful vest and cargo bottoms, or a chic, who loves sporting baby pink heart pendants over uber cute babydoll dress, jewelry they wear gives an inkling of their sense of fashion. Off late, men too seem to have fallen for fashion jewelry. Metrosexual men in particular, who have developed high sense of fashion, are major buyers of these funky adornments along with women.

Gone are the days when jewelry was confined to genuinely rich. Today, fashion jewelry has surpassed conventional jewelry in popularity. The reason being that it is affordable. People can purchase it without burning their pockets. The other reason is, you can make a switch to another piece of jewelry quicker. These days, fashion changes every night and you won’t like to stay with a piece, that is past its day of glory.

As for new designs and variety, This is as par real jewelry. Neighborhood shops notwithstanding, even the big players have entered the fray. Consistent demand has encouraged the craftsmen to explore new designs and concepts while producing the jewelry. They can also customize their jewelry items according to the preferences of their clients. Fashionjewelry has, in fact, become a separate industry in itself.

With the advent of this kind of jewelry, even image conscious cine stars and socialites have started flaunting fashion accessories. They use fashion jewelry items to compliment the most exquisite of the dresses, vaunting it with their best tux on the red carpet, further adding to their popularity. Fashion jewelry has not become something which is high on the people’s desire list. The affluent tend to buy the branded pieces which are a bit expensive while an average joe buys the look-alikes of the original designs which are pretty much affordable.

Fashion jewelry has become an essential part of the wardrobe of the fashionistas, enabling them to drop their sense of fashion. It is available right at the places they like to visit such as beaches to high end malls and luxury boutiques. Spotting its popularity, even well reputed brands which hitherto dealt in only gold, platinum or diamond jewelry, have begun and marketing these on huge scale.

Such extensive is the range of fashion jewelry, that it can be objectified into various types – rings, earnings, necklaces, bracelets, bracelet charms, lockets etc. – made of non-precious metals and other elements such as rhinestones, beads and polyester resin. These elements combine to create a unique blend of aesthetics and style. Fashion jewelry comes with stupendous variety, offering plenty of choice to the shoppers.

As a result of the high demand for fashion jewelry, its market has expanded to a great extent. Catering to the market, fashion jewelry suppliers offer their clients an expansive range of trendy products which are designed to ensure that quality is delivered at affordable prices. They offer showcase both contemporary and conventional designs in our collection to meet the diverse needs and tastes of buyers.